Why do I have insurance?

Did you know that when you join Rest, most members are automatically covered for insurance? That's because we care about looking after our members. After all, it's better to be prepared for the unexpected, no matter what age you are. We also give you the flexibility to change this insurance, or remove it, if you decide it doesn’t meet your needs.


What's Covered?

Rest Super members received over $390m* in claims over the last year.

Death cover

In the unfortunate event of your death, your loved ones could receive a lump sum payment, or if chosen, a pension.

Total and Permanent Disablement benefit (TPD)

If you become totally and permanently disabled as a result of being sick or injured, you may be eligible to receive a lump sum payment.

Income Protection

If you’re unable to work for a prolonged period due to injury or illness, you may be eligible to receive an income stream.

Change my insurance cover

You can change or cancel your existing cover, call us today: 1300 300 778 or login to MemberAccess and update your insurance online^.

Change cover

Am I insured?

Most members will have insurance cover. To find out what types of insurance you have and how much you're covered for, login to MemberAccess and click the 'Insurance' tab. If you weren't working or aren't employed, you may not have cover. For more information, refer to the Insurance Guide.

Find out more

Make a claim

If you're thinking about making a claim, you need to determine which type it relates to from the four options below.

Death claims

Have you lost a loved one?

TPD claims

Have you become totally and permanently disabled as a result of becoming sick or injured?

IP claims

Have you become unable to work for at least 60 days due to sickness or injury?

TI claims

Have you been diagnosed with an illness which has a life expectancy of less than 12 to 24 months?


How long will it take for my claim to be processed?

At Rest, we do our best to payout eligible members as quickly as possible. However, making a claim is a long process that can take a few months before monies are released to members or their beneficiaries. It’s important that you contact us as soon as you think you may have a claim so that we can work through the claims process with you.

Factors that can impact the timing or result of your claim may include:

  • Claim type
  • Complexity of your case
  • Missing information
  • Investigation of claim
  • Information from medical practitioners
We will do everything we can to try and make this process as quick and painless as possible.

What is the claims process?

The claims process typically has 6 key steps:


Contact Us

Call us and let us know what happened
1300 300 778


Eligibility Check

We'll then check your account for eligibility and send you a claim pack


Claim Form

If you qualify, fill out the claim form you receive in your claim pack and any extra information we ask you for


Claims Assessment

Our insurer will then conduct a comprehensive assessment of your claim


Claims Review

We’ll review their decision to make sure we agree



We’ll send you a letter to let you know our final decision and confirm any payments if and when they’re due

Need advice about your insurance?

Rest Advice is all about helping you make good decisions with your super and money.

* As at 30 June 2016

^ Rest Super members only can update insurance online

This website is provided by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 24 0003, trustee of Retail Employees Superannuation Trust ABN 62 653 671 394, of which Rest Super, Rest Corporate, Rest Select, Rest Pension and Acumen are part. It contains general advice that has been prepared without taking account of your objectives, financial situation or needs. Before acting on the information or deciding whether to acquire or hold a product, consider its appropriateness and the relevant Product Disclosure Statement (PDS), which is available on this website.

Rest Advice is provided by Rest advisers as authorised representatives of Adviser Network Pty Limited AFS Licence 232729 ABN 25 056 310 699

Awards and ratings are only one factor to consider when deciding how to invest your super. Further information regarding these awards can be found at Rest.com.au/about-Rest/awards. Past performance is not an indicator of future performance. SuperRatings Pty Limited does not issue, sell, guarantee or underwrite this product. Go to www.superratings.com.au for details of its ratings criteria. For further information about the methodology used by Chant West, see www.chantwest.com.au